Cheapest Car Insurance Quotes in Highland

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401,895 Policies Sold

Highland Car Insurance

^$ 37

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Highland

The car insurance rate in Highland is $1057 for a six-month policy, which is $105 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $475, making it a popular choice for budget-conscious drivers. Rates in Highland can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Highland

$1057

Avg. Car Insurance in Utah

$952

National Average

$1140

Cheapest Car Insurance Companies in Highland

1st place: Farmers Union Insurance

At $475 for a six month policy, Farmers Union Insurance offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $507 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $653 for six months, making it the third cheapest auto insurance company in Highland.

Highland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Highland, UT is Farmers Union Insurance, offering policies at just $475 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $507.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2169 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Highland drivers find the best deals.

Cheap Car Insurance Companies in Highland, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$475	$81
Auto-Owners Insurance Co	$507	$84
Nationwide	$653	$110
USAA	$713	$120
Progressive	$805	$135
American Family	$830	$140
Auto-Owners	$996	$168
Farm Bureau	$1108	$184
Allstate	$1510	$254
State Farm	$1866	$314
Farmers	$2169	$369

Key Takeaways

Way's key takeaways about car insurance in Highland

The auto insurance costs in Highland fall around $475 for six months.
The cheapest auto insurance company in Highland is Farmers Union Insurance.
Teen drivers pay the highest rate in Highland at $1383 per month.

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Cheapest Minimum Liability Car Insurance in Highland

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Highland are given below.

Farmers Union Insurance provides the cheapest minimum car insurance coverage in Highland. Their Average 6 Month Premium is $218. Farmers is the most expensive at $1094 for the same period.

Cheapest Liability Coverage in Highland, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$218	$37
USAA	$258	$43
Auto-Owners Insurance Co	$283	$48
Nationwide	$310	$52
Progressive	$363	$61
Auto-Owners	$402	$68
Farm Bureau	$448	$74
American Family	$468	$79
Allstate	$725	$122
State Farm	$857	$144
Farmers	$1094	$182

Cheapest Full Coverage Car Insurance in Highland

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Highland is Farmers Union Insurance at $81 per month and $475 for six months.

Cheapest Full Coverage Car Insurance Quotes in Highland, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$475	$81
Auto-Owners Insurance Co	$507	$84
Nationwide	$653	$110
USAA	$713	$120
Progressive	$805	$135
American Family	$830	$140
Auto-Owners	$996	$168
Farm Bureau	$1108	$184
Allstate	$1510	$254
State Farm	$1866	$314
Farmers	$2169	$369

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Average Car Insurance in Highland by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Highland, UT increasing?

Despite maintaining a clean driving record, your car insurance rates in Highland, Utah, may be increasing due to several external factors. Utah has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Highland's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Highland

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Highland,UT

If you are planning to get a car insurance policy for your teenage dependent, Farmers Union Insurance provides the cheapest car insurance in the Highland at $57 per month. At $8301 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$343	$57
Auto-Owners Insurance Co	$389	$67
Iowa Farm Bureau	$408	$68
Utah Farm Bureau	$442	$75
USAA	$1417	$239
Nationwide	$1642	$276
Auto-Owners	$1971	$332
Progressive	$2519	$424
Farm Bureau	$2980	$496
American Family	$3014	$507
Allstate	$5169	$870
State Farm	$6870	$1157
Farmers	$8301	$1383

Teen Car Insurance Rates in UT by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Highland, Nationwide is the cheapest car insurance provider. At $363 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Highland is State Farm, offering rates of around $3066 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$363	$62
Farmers Union Insurance	$402	$67
Kemper	$594	$101
Auto-Owners Insurance Co	$679	$113
Progressive	$949	$160
American Family	$1141	$192
USAA	$1510	$256
Farmers	$2070	$349
Farm Bureau	$2083	$354
Auto-Owners	$2519	$420
Allstate	$2703	$460
State Farm	$3066	$511

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Car Insurance Rates with An Accident in Highland

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Highland, UT, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Highland

The cheapest car insurance companies after an at-fault accident in Highland include Farmers Union Insurance and AutoOwners Insurance Co, offering $350 and $468, respectively. Farmers is an expensive provider with an average six-month premium of $3250.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$350	$58
Auto-Owners Insurance Co	$468	$80
Utah Farm Bureau	$554	$92
Encompass	$613	$104
USAA	$706	$119
Nationwide	$771	$130
Progressive	$850	$143
Auto-Owners	$1114	$188
American Family	$1121	$189
Farm Bureau	$1707	$291
Allstate	$2117	$356
State Farm	$2367	$398
Farmers	$3250	$542

Highland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Highland UT. For example, the car insurance in Highland after a DUI increases to $1088 for a six month policy. While the rate increases by $283 for a six-month policy in the case of a speeding ticket.

Highland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1213	$202
One Med/PIP claim	$1220	$208
Not-at-fault accident	$1247	$208
One comp claim	$1247	$212
Two Med/PIP claims	$1247	$208
Two comp claims	$1260	$214
Failure to show documents	$1378	$230
Child safety restraint	$1417	$241
Driving without lights	$1417	$236
Failure to wear a seat belt	$1417	$241
Driving with expired registration	$1444	$241
Cell phone violation	$1490	$253
Texting while driving	$1490	$249
Wrong way/wrong lane	$1490	$253
Driving too slowly	$1496	$250
Failure to yield	$1496	$254
Following too closely	$1496	$250
Illegal turn	$1496	$254
Speeding 6 - 10 MPH over limit	$1496	$250
Failure to stop at a red light	$1503	$255
Speeding 11 - 15 MPH over limit	$1503	$251
Speeding 16 - 20 MPH over limit	$1503	$255
Speeding in school zone	$1503	$251
Improper passing	$1510	$256
In 65 MPH zone	$1563	$261
Speeding 21 - 25 MPH over limit	$1590	$270
Passing school bus	$1595	$266
At-fault accident - less than $1000	$1682	$286
Operating a vehicle without permission	$1760	$293
At-fault accident - $1000-$2000	$1807	$307
Open container	$1819	$303
At-fault accident - greater than $2000	$1833	$312
Reckless driving	$2268	$379
Driving with a suspended license	$2281	$387
Refusal to submit to a chemical test	$2281	$381
DUI	$2301	$391
Racing	$2301	$384
Leaving scene of an accident/hit and run	$2400	$408

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Highland after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Highland.

The cheapest car insurance premiums in Highland are offered by Utah Farm Bureau at $408 for a six-month policy. However, it can be as expensive as $3633 with companies like State Farm.

Highland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Utah Farm Bureau	$408	$70
Farmers Union Insurance	$442	$73
Kemper	$507	$87
Progressive	$731	$123
USAA	$1074	$181
Nationwide	$1207	$203
American Family	$1220	$205
Farm Bureau	$1253	$209
Allstate	$1602	$270
Auto-Owners	$2440	$406
Farmers	$2920	$496
State Farm	$3633	$612

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Highland are offered by Farmers Union Insurance at $276. However, it can be as expensive as $3014 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Highland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$276	$47
Nationwide	$283	$48
Auto-Owners Insurance Co	$383	$65
Progressive	$751	$127
American Family	$857	$144
USAA	$897	$150
Auto-Owners	$930	$158
Farm Bureau	$1253	$209
State Farm	$1622	$275
Allstate	$1702	$283
Farmers	$3014	$513

Car Insurance Price Trends in Highland, Utah

Car insurance rates in Highland have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Highland remained steady at $238 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Highland remained steady at $75 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Highland?

The car insurance in Highland is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Highland?

The cheapest car insurance in Highland is $81 per month for full coverage.

How much is car insurance in Highland for teenagers?

Car insurance for teenagers costs $343 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Highland?

The average cost of car insurance is $952 for a six-month policy. It will cost around $178 per month to insure your car in Highland.

Is car insurance expensive in Highland?

Car insurance can be expensive in Highland if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Highland can be affordable.

What is the best car insurance in Highland, UT?

The best car insurance company in Highland UT is Farmers Union Insurance, offering $475 for a six-month policy.